the idea that the u.s. alone is somehow going to solve the co2 issue is fundamentally flawed and i don't know where the president is dreaming that he will be able to solve this issue. gerri: probably on hold. robert, i know we will hear from you again soon. thank you for coming on, have a great weekend. >> thank you, gerri you want as the clock ticks, there is another group of folks tt will be hit hard. i'm talking about college savers. many families will be worse off next year compared to this year. could you explain is the founder and publisher of finaid.org. what is the fiscal cliff? is the fiscal cliff? were we going to duplicate those budget cuts? >> one is it will cut things by 8% across the board. the pell grant in 2013, it will also be cut automatically by 8%. the american opportunity tax credit expires at the end of 2012 as well. gerri: it sounds like, and here are the numbers here, it could result in a% cut in federal student aid. so clearly, people will see higher costs for college. how can they